|
11243163
|
2024-12-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-21
|
|
|
11332877
|
2024-12-31
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
|
|
11138973
|
2024-12-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Loan
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
4256736
|
2021-03-29
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Unable to receive car title or other problem after the loan is paid off
|
| Sub Product |
Loan
|
| Date Received |
2021-03-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-29
|
| Company Public Response |
Company believes complaint represents an opportunity for improvement to better serve consumers
|
| Complaint What Happened |
I paid my car in full XX/XX/2021 with Mid Atlantic Finance. My payment in full was made a month early the supervisor that took my payment advised me I would be recieiving a paid in full letter along with payment receipt that reflects a XXXX balance. She then explained I wouldn't be able to recieve those documents right then due to processing of the payment which would take 3-5 business days depending on bank, I used my debit card on file that is set up for automatic withdrawal that payment cleared almost immediately. However come Monday XX/XX/2021 I still havent recieved a email from the supervisor or anyone associated with Mid Atlantic I have called over 5x today, spoken with 3 supervisor that were EXTERMELY RUDE, they were not helpful and never sent me any emails even after repeately telling me I would after 5mins. I called back for the 6th time to finally speak with a supervisor that actually sent an email with an attachment however the attachment was nothing more than my payment history something I could see on the app The payment history still shows my monthly installment due to XX/XX/2021 nothing indicates the car is paid off. The supervisor did explain it would be 30 business days before I recieve my title, I have no problem waiting 30 business days for the title but i do have a problem waiting 30 days for paid in full letter or copy of reciept that reflects it was my last payment I am running into issues trying to trade in my car because it's simply showing I am still responsible for a payment and my car isnt paid off. Mid Atlantic Finance Company has by far the rudest customer service agents in the industry of customer service. They are not helpful, they are incredibly rude and just a horrible company to do business with. They charge {$6.00} when you make a payment, the only way to avoid the {$6.00} " service fee '' is to mail a check. The last supervisor I spoke with XXXX XXXX her email XXXX hung up on me while I was speaking and kept talking over me noy understanding my concerns externally unprofessional
|
| Consumer Consent Provided |
Consent provided
|
|
|
3964024
|
2020-11-19
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem related to refinancing
|
| Sub Product |
Loan
|
| Date Received |
2020-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-19
|
| Complaint What Happened |
I was in a car accident involving this car in XX/XX/XXXX. The car was a total loss. After the parties insurance paid out, I was left with {$5700.00} in negative equity. I was in the process of trying to finance a new car and the negative equity. On XX/XX/XXXX Mid Atlantic retch out to mean with an offer of {$1800.00} pay off. I agreed to that, signed the contract, and put the first payment of {$100.00} down on XX/XX/XXXX. When the financing went through for the new car and negative equity, they cut a cut for the original negative equity on XX/XX/XXXX. Mid Atlantic did not take their {$1700.00} and return the rest of that check for {$5700.00}. They stated that the Dealership would have to reimburse me. I retch out to XXXX XXXX XXXX XXXX and they refused to refund the money either. I have had my accident attorney with XXXX XXXX XXXX, reach out in effort to fix this as well but we were just left at a dead end.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3103018
|
2018-12-18
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2018-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-18
|
| Complaint What Happened |
On Saturday, XX/XX/XXXX I went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in hopes of purchasing a used car to replace an existing car loan that was seriously behind due to a few years of under and unemployment to be better prepared to start a new job in XXXX XXXX requiring travel. I explained my situation to XXXX the sales rep and he said he could help me as I had initially communicated with a XXXX at another location via online but not knowing it was in a different location. XXXX explained my situation to his manager and received the approval to offer car deals. Among the cars offered by name, I asked to consider at older XXXX XXXX offered although I did not want to spend additional money on increased gas usage but the numbers did not work with this because I needed the cheapest rate possible to get on my feet. After offering more vehicles, the manager came out and suggested a XXXX XXXX and of course to my surprise I thought I was being favored since it never entered my mind that I would possible get a XXXX that had a cute exterior being a woman. So when I saw the car I immediately jumped on it but XXXX pulled out the car and parked it again offering me a XXXX XXXX instead but after seeing the XXXX suggested by the manager I asked what was the problem with it. He then said it needed gas so he went to get money to put in gas and off we went to the gas station as he drove. After putting {$10.00} of gas in the car, he ( XXXX ) said oh this was the problem it needed gas, see how it drives so I just took his word for it. We returned to the dealer and completed paperwork and gave them a {$500.00} cash deposit and I had another appointment that I had to return to pick up the car with a friend. When I returned they had the key and paperwork ready and I got in the car for the first time. As I drove the car home, I noticed the engine and tire pressure light and I immediately called back to tell XXXX and he said to call him the next week for an appointment. I returned the car on that Tuesday, XX/XX/XXXX and XXXX said the technicians could look at it so I had to catch XXXX for {$10.00} home and to a call center job for the day and I returned by XXXX {$10.00} to pick up the car. The report was that the car was fixed so I drove the car home and the lights were off until I got home. I gave it another day but cranking the car became increasingly difficult after a few hours of sitting still and the lights were still on and I returned the car on Thursday, XX/XX/XXXX o take the car back to the dealership to have them look at the car again taking XXXX for {$10.00} to work. I sent a text to XXXX that I would come get the car on my lunch break between XXXX to pick up the car since I was not off until XXXX XXXX and they would be closed. I did not receive a response from XXXX so I returned to the lot to pick up my car via XXXX {$10.00} only to discover that the car was not there, it had been sent to another dealership for repairs by another mechanic which left me stranded without transportation since my ride left and the fee for a ride by XXXX had increased due to high demand and I did not have anymore money. So I had to call around to find a ride and call in to my job loosing out of pay since at this point I was very frustrated. Thankfully my friend XXXX who had accompanied me to take the car home the first on the XXXX was available to pick me up. When she picked me up she asked what was the problem with all of the back and forth since the reason you need a car was to get around and I have not been able to do this since getting this car. I explained the issues and she said to request another car since if this car needed this much work at the beginning this was not a good car to travel with for my new job beginning on XX/XX/XXXX. Being mild spoken and non confrontive she called the dealership to find out why do many trips back and forth and the desire to switch cars. She spoke to a XXXX, the manager and XXXX the salesman the conversation quickly escalated with the manager yelling how he did not have to do anything for me as he was just trying to fix it out of kindness. When asked to consider another car, he said no it doesn't work that this so if she doesn't the car they will just Repo it. At this point he hung up the phone and apparently all work stopped on the car and no communication was made to me. So I left the car there overnight and I returned Saturday morning to pick the car up to try to work with it. I took it to XXXX XXXX and had them put it on their machine and there were several things needed per the report for an average of $ XXXX and I just did not have any extra money for it is was the case, I could have just kept trying to work with my old car with payment arrangements at least there were not lights on. In the meantime there was a small crack in the windshield that the manager offered to fix and I was contacted by the repairman with an appointment scheduled for Friday, XX/XX/XXXX while at work that of course was obviously cancelled as well. So I had no other choice but return the vehicle which is what I did on Tuesday, XX/XX/XXXX @ XXXX XXXX when they opened. I parked the car on the side of the dealership 's office and placed the key in an envelope inside a thank you card that read " Thanks again, but unfortunately my budget can't afford the expenses associated with the car. Blessings, XXXX XXXX ''. I didn't even ask for the money deposit back, I just wanted out. I did not hear anything until I received a notice form Mid Atlantic dated XX/XX/XXXX with a 11 day notice. I called the company that I was unable to reach anybody in the department that dealt with my case but the general representative made a note on my account and said she would send an email that I did not have the unit. I received another notice in the mail dated XX/XX/XXXX and still could not get through to the department identified on the letter and I left another message that I did not have the car. I received another notice dated XX/XX/XXXX and I called again speaking with another rep who explained that they had the account noted that the unit was not in my possession but the dealership still had the account listed as open so it was affecting my credit and I needed to contact them to find out why. I did not make any attempts to contact the dealership as it was quite clear the goal of the manager was to ruin my credit and still hold me accountable for vehicle that I returned and was not in the best shape in retaliation. I don't want to fight, I explained my issue from the beginning and it was never taken into consideration.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2752194
|
2017-12-11
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-11
|
| Complaint What Happened |
I sent Mid ATL fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XX/XX/XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that Mid Atl provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XX/XX/XXXX Mid ATL responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract.
I 'm not sure what Mid ATL is trying to state in these letters, but they are not providing the documents that are being asked for.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2591026
|
2017-08-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2017-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2650290
|
2017-08-24
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1089975
|
2014-10-27
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2014-10-27
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-11-04
|
| Consumer Consent Provided |
N/A
|
|
|
5235256
|
2022-02-18
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with fees charged
|
| Sub Product |
Loan
|
| Date Received |
2022-02-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-18
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On the date XX/XX/2019, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through Mid Atlantic Finance. I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$3500.00} exact but this dealership and Financial Institution gave me a total sale price of {$13000.00} ( see attachment for Exhibit A ). That is a total of {$10000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a ) ( 5 ) ( see attachment for Exhibit B ). Sadly this is fraud so this contract is now void.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3471467
|
2019-12-18
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2019-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-18
|
| Complaint What Happened |
On the evening of XX/XX/XXXX, Mid-Atlantic repossessed my vehicle at 47 days past due. I did not receive any written notification, voicemails and only received 1 email in regards to this issue. My vehicle was purchased in XXXX, from a buy here-pay here dealer ; however, my loan was sold to Mid Atlantic financial a year later without my knowledge. I have made every payment within a 30 day window since my loan was sold to this company and this is the first time my loan has gone this past due. There are a number of issues regarding this repossession, the first including that the tow truck driver came into a public establishment, and announced that my car was taken from in front the building. The lack of communication, and customer loyalty is astounding. After almost 2 years of timely payments, my vehicle was taken without due notice or any consideration for me as a consumer.
I attempted to contact the company on XX/XX/XXXX at XXXX XXXX and XXXX XXXX, and was given little information regarding this repossession. After speaking with two representatives, I asked to speak with a supervisor, but was left on an extended hold that ended with my call being disconnected. As someone who works in the finance sphere, I understand that it's my responsibility to adhere to my contractual obligations, but I do not agree that this was done fairly or at a reasonable time period - given the industry standard is 55-60 days past due.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2720766
|
2017-11-04
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-11-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-04
|
| Consumer Consent Provided |
Other
|
|
|
3457390
|
2019-12-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2019-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-06
|
| Complaint What Happened |
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| Consumer Consent Provided |
Consent provided
|
|
|
2703543
|
2017-10-16
|
Incorrect information on your report
|
Vehicle loan or lease
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Loan
|
| Date Received |
2017-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-30
|
| Complaint What Happened |
In XXXX of XXXX, I was in a car accident in which my car was totaled which necessitated the purchase of a car. I purchased a car from XXXX XXXX ( XXXX XXXX ) and the original finance company was Mid-Atlantic Finance.
I made the payments through the year. In XXXX, I went into the office while visiting my brother in the area. When I did I was asked to contact XXXX XXXX because they had not received the title.
After returning to XXXX, I contacted the dealership who explained that they had decided to pull the financing back from Mid-Atlantic and I would be making payments at the dealership. On XXXX XXXX, XXXX, I signed a new contract with XXXX XXXX. Within two weeks, the contract was sold to XXXX XXXX and I began making payments to them.
At this point I thought everything was fine. I received an email from XXXX XXXX at Mid-Atlantic Finance stating that my account was seriously delinquent and that I needed to pay {$2000.00}. Upon contacting the company, I was informed that the car was up for repossession if the account was not brought current. I explained that I was making payments to XXXX XXXX. I was told there was no information about that and the car could be repossessed.
I was upset by the conversation so I contacted the original dealership. When I told XXXX XXXX of the conversation he explained that Mid Atlantic was not the legal lienholder on the car and they have no legal right to repossess the car.
On XXXX XXXX, XXXX, I had XXXX on my shoulder from the car accident in XXXX. On Monday, I was supposed to go to my post-op appointment and discovered, upon taking trash to the dumpster, the car was gone.
I received a notice on XXXX XXXX, XXXX regarding the repossession stating that I had 45 days from the date of repossession to get my belongings from the car. I was finally able to get to the yard where the car was supposed to be on XXXX XXXX, XXXX. When I arrived there, the person who was supposed to meet me was not there. I waited for two hours when someone finally arrived, I was told the car was not there. My belongings were in a shed, though I do not believe I got all my belongings from them.
I went to XXXX XXXX and spoke to XXXX. She gave me copies of documents showing Mid Atlantic Finance application for a duplicate title, marking through XXXX as the lienholder, a DMV report from XXXX XXXX, XXXX showing XXXX as the legal lienholder. XXXX also had information regarding the car being removed from XXXX on XXXX XXXX, XXXX.
I filed a report with XXXX XXXX Sheriffs Office case report XXXX XXXX. Since the report has been closed and deemed a civil matter. It was explained to me be one of the detectives that for a car older than six years, the company was obligated to provide 30 days in which the consumer could retrieve the car. They did not have the documentation from the clearing house which shows the date the car was removed from the tow yard. My attorney contacted the clearing house and they provided the information showing the date the car was removed from XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4047356
|
2021-01-05
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2021-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-05
|
| Complaint What Happened |
In past 3 months I asked for the balance to pay off and the company says that a I have to pay in full all future payments scheduled.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9920718
|
2024-08-25
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-25
|
| Complaint What Happened |
I cosigned a car loan for my XXXX to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10018001
|
2024-09-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-04
|
| Complaint What Happened |
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.
I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
"
|
| Consumer Consent Provided |
Consent provided
|
|
|
7110033
|
2023-06-14
|
Improper use of your report
|
Vehicle loan or lease
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Loan
|
| Date Received |
2023-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-14
|
| Complaint What Happened |
In accordance with the fair credit reporting act XXXX account # XXXX has violate my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10571124
|
2024-10-25
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-25
|
| Complaint What Happened |
Dear CFPB, I have tried multiple times to resolve inaccuracies through XXXX and directly with MID ATLANTIC FINANCE and have not gotten any resolution for the glaring errors on my credit report. I have been ignored each time and in my opinion, MID ATLANTIC FINANCE and XXXX have not followed the Fair Credit Act.
They keep updating me with incomplete and inaccurate information. I have been a victim of the FCRA 's mishandling. This time I am disputing inaccurate, missing, and unverified information through the CFPB. I am entitled to 100 % accurate and correct credit because the FCRA requires it.
I am requesting that you and the furnishers do a full investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter or to send me silly form letters back refusing to investigate.
Instead, I'm asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified.
On my reports, there is contradictory, incomplete, and incorrect information that can not be verified.
I don't know if this is because the furnishers, who are unreliable sources of information, are giving you false information or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right.
For each account I list, make the information 100 % complete and accurate ( and verifiable ) or delete the entire account.
I want you to thoroughly and properly investigate each and every account described below and investigate each and every error or missing information that I point out to you. And if there are errors or incomplete information, then correct them or delete the entire account.
I'll identify each account and specifically what I believe is wrong. I appreciate you properly investigating all the items I've identified below. Fix each and every error ( including incomplete information ) on every account or delete all accounts that you will not correct. And make sure you are not just hiding information from me- I want to see everything in my file disclosure, and I want everything in my file to be 100 % accurate and complete, and verifiable. Enclosed is my ID, Proof of Address and relevant pages from my credit report.
Account : Account Name : MID ATLANTIC FINANCE Account Number : XXXX Balance : - Date : XX/XX/year>XXXX Errors : 1-Why is the Balance Histories not reported?, Why did Mid Atlantic delete it?, Is it supposed to be reported month after month? Is that information missing?, Show me the complete payment history month by month with your balance, your Scheduled Payment each months, how much i paid each month since the account was opened in XX/XX/year>XXXX until XX/XX/year>, Why did you delete the Balance Histories?, You couldn't verify the account and preferred to block it?, Fix and provide all this months in the Balance Histories or delete the entire account.
2-You claim that the opening date was XX/XX/year>XXXX but under the Payment History the first report is in XX/XX/year>, it is contradictory, the Payment History does not report anything for XXXX, XXXX and XX/XX/year>, is the opening date wrong? Is the payment History wrong?, i am confused, which is correct?, Fix this or delete the entire account.
3-You report that the original balance is {$13000.00}, Send me proof of the original contract where you prove and verify that this is the Original Balance. Provide this information or delete the entire account.
4-You report that the recent payment was {$6500.00} on XX/XX/year>, this was NOT paid by the creditor, Is this information accurate?, why are you reporting unconfirmed information?, Fix this or delete the entire account.
Finally, after you have completed your investigation, please send me a copy of the investigative results and a complete copy of my complete file. By complete file I mean everything you have on me in your file, and I want you to also include the inquiries made ( hard and soft pulls ) with the reason for each inquiry and a copy of the certification made by each user of my report. Make sure you give me everything that you have on me- do not leave anything out as I understand under the FCRA that I'm entitled to my full file disclosure.
Please note that for every account I have disputed, unless every piece of missing data is filled in and every inconsistency and every error is accurately fixed or each one of the disputed accounts is deleted entirely, your investigation will not resolve my dispute as to that accounts, and, if that is the case, here is my statement of dispute for each of the accounts that you do not correct 100 % by making complete and accurate : As per my right under Section 1681i, I want you to give me the following information about how you investigated my disputes : " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' Enclosures : ID Proof of Address Pages from XXXX Credit Report Att : XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
6920458
|
2023-05-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-05-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-02
|
| Complaint What Happened |
I have been dealing with this issue since 2016 Im a victim of identity theft XXXX!!!! I have been catching XXXX trying to prove my identity Ive been contacting all credit bureau after credit bureau to get this fixed and Im not getting any help I found helpful information a few days ago about a data breach with my social security number being exposed and was able to get this contact information my credit has been messed up I literally found out Sunday someone also has a home in my name living in California!! As stated earlier I have made police reports sent in dispute letters complaint and trying to prove things on my credit report are NOT ME!!!! Please help me with these issues its gone on far to long
|
| Consumer Consent Provided |
Consent provided
|
|
|
10056688
|
2024-09-06
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-06
|
| Complaint What Happened |
I want the inquiries removed I did not authorize any of these company to run my credit
|
| Consumer Consent Provided |
Consent provided
|
|
|
9884352
|
2024-08-22
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-22
|
| Complaint What Happened |
From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My Date of birthday is| XXXX XXXX
My Social Securite Number 's is XXXX To : Mid Tlantic Finance XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; To Whom it may concern..
This account : XXXX XXXX XXXX Account Number : XXXX The company XXXX XXXX XXXX claims that this account was paid by the creditor in XX/XX/XXXXXXXX ( PAID BY CREDITOR ), but is reporting erroneous and inaccurate information to the credit bureaus.
This account was returned to XXXX XXXX XXXX due to problems with the car 's transmission, In XX/XX/XXXX, and the status the this account was reported paid and closed in XX/XX/XXXX So how do you explain that in XX/XX/XXXX the account status is ( paid by creditor ) if it was closed a year before and was paid and closed by XXXX XXXX XXXX?
XXXX XXXX had already reported the account as ( closed and paid ) and changed it back to ( paid by the creditor ) which is false, under the law 15 U.S. Code 1681i ( 5 ) it stipulates that if after a reinvestigation inaccurate information continues to be reported, the account must be deleted immediately.
Law 15 U.S. Code 1681i ( 5 ) - Procedure in case of disputed accuracy.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S.C 1681s-2 ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX.
A copy will be sent to the CFPB, FTC and my Attorney General.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10512468
|
2024-10-19
|
Repossession
|
Vehicle loan or lease
|
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan balance remaining after the vehicle is repossessed and sold
|
| Sub Product |
Loan
|
| Date Received |
2024-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-19
|
| Complaint What Happened |
I purchase a vehicle for {$6000.00} but at didnt have the full amount I give the {$4000.00} a month later a received a phone call from MidAtlantic finance they told me that I have a loan with them for the vehicle that I purchased. 6 months later I have trouble paying the car then the come and repossess the vehicle and told me that I purchased the vehicle for {$11000.00} something now I have {$6000.00} something to pay back when I ask them for the vehicle back they told me they sold it on a auction for {$4000.00} something and I still have to pay them back so please help me with them Mid Atlantic finance
|
| Consumer Consent Provided |
Consent provided
|
|
|
6683751
|
2023-03-13
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Loan sold or transferred to another company
|
| Sub Product |
Loan
|
| Date Received |
2023-03-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-10
|
| Consumer Consent Provided |
Other
|
|
|
7704216
|
2023-10-16
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-16
|
| Complaint What Happened |
Subject : False Reporting Dear XXXX, I hope this email finds you well. I am writing to express my deep concern and frustration regarding the false reporting of my credit information by your company. Despite my best efforts to resolve this matter amicably, the false reporting has had a significant negative impact on my creditworthiness and financial standing.
You are continuing to report MID ATLANTIC FINANCE account as " open '' when this is a " closed account ''. I have sent in NUMEROUS disputes requesting you to investigate this account ; however, your response continues to be " this account is verified as accurate '' Really? This account has been closed for YEARS!!!
I believe that the false reporting has been caused due to negligence or intentional misconduct on the part of your company. These inaccuracies have resulted in severe consequences, including the denial of credit, higher interest rates, and financial hardship. I have taken all necessary steps to rectify this issue by disputing the false information with your company, to no avail.
Based on the provisions of the Fair Credit Reporting Act ( FCRA ), I am hereby providing you with a formal notice of my intent to sue your company for the damages caused by the false reporting. The FCRA provides me with the right to seek legal recourse for violations of my rights as a consumer, including compensation for financial losses, emotional distress, and reputational damage.
I kindly request that your company take immediate action to rectify the false reporting and provide me with a written confirmation of the corrections made. Additionally, I request that your company compensate me for the damages I have suffered, including any legal fees incurred during this process.
Please be advised that I expect a written response from your company within [ reasonable time frame, e.g., 30 days ] from the date of this letter. This response should include details of the actions taken to rectify the false reporting and the compensation being offered for the damages suffered.
I hope that we can resolve this matter amicably and without the need for litigation. However, please understand that I am prepared to pursue legal action to protect my rights and seek the compensation I believe I am entitled to.
Delete this account for inaccurate reporting, false reporting and failure to investigate and provide supporting documentation of this alleged " open account. ''
|
| Consumer Consent Provided |
Consent provided
|
|
|
6357687
|
2022-12-23
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2022-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Website : They are keeping my items at ransom its the day before XXXX they are stating over the phone verbally @ XXXX XXXX that they are closed when my car was sent to them @ XXXX XXXX in the morning meaning they are open and they are refusing to allow me to get my wallet out of the car mid Atlantic is washing their hands saying they dont deal with them yet they are independent contractors working under them. This is Illegal the towing place hung up on me and they were rude telling me I have to wait till Tuesday to get my wallet
|
| Consumer Consent Provided |
Consent provided
|
|
|
6357801
|
2022-12-23
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Seized or attempted to seize your property
|
| Sub Product |
Auto debt
|
| Date Received |
2022-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Now mid Atlantic doesnt want to give me a location where the car is and they are constantly hanging up on me on purpose.
They are charging XXXX repossession fee plus they said there is a administrative fee that the repossession place will charge and separate storage fee ontop of the past due amount. They changed the fees from XXXX. Online to XXXX then they said the full amount is XXXX because XXXX to pay over the phone then the book value of this car XXXX right now and I want to pay it off and have my title but they refuse to negotiate. The car has been in accident on the rear panel of the right side the panel alone cost XXXX the rear fender is about XXXX the car has XXXX miles the car is old XXXX XXXXXXXXXXXX XXXX and they are asking for {$7100.00} and the credit bureaus all three have incorrect reports of the balance and the car tag price initially XXXX deceptive practices XXXX XXXX XXXX never gave me all the documents complete of this transaction lied to me about the price of this car. I would be willing to negotiate XXXX to buy this car remove the repossessions from my credit and give me the title. They will not get anything for this car at an auction they are also threatening me to pay the XXXX in XXXX days or it will be auctioned without sending me a letter at all just verbally over the phone
|
| Consumer Consent Provided |
Consent provided
|
|
|
6357406
|
2022-12-23
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Lender trying to repossess or disable the vehicle
|
| Sub Product |
Loan
|
| Date Received |
2022-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I walked into XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX And paid a fee to walk away with a used vehicle XXXX the book value was never discussed with me of the vehicle prior to the buy. This car was reported to have a book value of XXXX they set it at {$9900.00} They sold this debt to mid Atlantic the holder of the debt I was not aware that I would be paying XXXX times what the car is worth. The car now has a book value of XXXX i had my car repossessed illegally this morning because I can not afford the high payments on this car XXXX, every other week. They are holding my property for ransom and asking I pay a fee for the belongings inside the vehicle which is my debt cards my wallet. Mid Atlantic has not reported correctly to all three credit bureaus and in the online payment system is blocked right now because of the repossessed vehicle. The online payment says 50 days past XXXX as of XX/XX/23 XXXX XXXX and just now I logged back in a few minutes later and they are doing some fraudulent charges of upping the fees as I logged back in to see XXXX They are monitoring when I logged in and glitching the system to fool me into changing the fees more then what is actually due. The payment is XXXX, by-weekly and they are changing from XXXX to 51 days in a matter of seconds in their online portal. This is not the first time Mid Atlantic has done this. I have told them that I have a right to recind this contract due to all the fraudulent charges that I have incurred and illegal repossession of this old vehicle that I have paid off since the down payment of the sum of all charges. This is illegal to spike a price of an old car to XXXX times over the book Valu. The place where I first got it where I have the original paperwork from XXXX XXXX and I recently noticed a charge that I never knew about that included charges of XXXX of a shipping fee from pennsylvania to ship the car to Florida at the lot where I got this car from. I never knew of this. They never told me. Right now as I write this letter on the XX/XX/XXXX @ XXXX my car is gone repossessed. Mid Atlantic debt collection company is the most corrupt company around and so is XXXX XXXX where the car came to me from. I did not understand what I was signing initially and I was not given any documents stating my rights that I have a right to recind the contract. Mid Atlantic charging repossession fees of XXXX dollars to pick up the vehicle is illegal and changing the fee online on purpose within a matter of seconds I saw 50 days to 51 days and XXXX. To XXXX. To pay. They have blocked in the system to pay online and its because they want me to pay additional fees of the repossession tow guy place. Mid Atlantic phone number is XXXX ext XXXX or XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
7223737
|
2023-07-08
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-08
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6487887
|
2023-01-25
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Mid-Atlantic Finance Co., Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
